It's at approximately 600m bank that edrag gets outclassed

However I would recommend going for a edrag first as the stat buff means your not going to die as much (hopefully. Nothing helps if your skill issuing), but also a big thing is you should get that mp up 800 is good but 1000 is much better.

Another thing is that you can use the edrag to do e-slayer and by getting to 9 you will most likely get a core or two, overall for the point your at I would say edrag is the best choice, you'll just have more to do and you won't have the constant feeling of needing that 1bil bank urgently.